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Bonham State Bank

Bonham, TX · Cert 9021

FDIC

Q3 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Bonham State Bank

Bonham, TX · Cert 9021

FDIC

Q3 2007

$89.4MAssets
$41.7MLoans
$78.0MDeposits
$9.9MEquity
Loan mix
78%RE $20.4M22%C&I $5.7M0%Consumer $0.1MQ3 2006Q3 2007
Deposit mix
79%Interest-bearing $61.3M21%Noninterest $16.6MQ3 2006Q3 2007

NIM

4.87%Q3 ’055.26%Q3 ’065.75%Q3 ’07-5%+3%

Non-interest income vs. expense

2.70%Q3 ’052.75%Q3 ’063.22%Q3 ’07-2%+28%

Executive Summary

  • Earnings: ROA of 0.73%, down 21 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
  • Funding: loans stand at 53.50% of deposits as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.73%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+9 bps YoY

Efficiency Ratio (YTD, annualized)

79.46%+1,110 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.94%0.91%1.03%1.02%0.73%-21 bps
Return on Equity9.67%9.37%10.07%9.79%6.87%-280 bps
Net Interest Margin3.16%3.15%3.23%3.22%3.26%+9 bps
Efficiency Ratio68.36%69.76%67.95%68.26%79.46%+1,110 bps
Non-Interest Burden1.89%1.93%1.95%1.94%2.42%+53 bps
Growth
Asset Growth (YoY)1.07%-0.27%-10.55%-4.85%-5.00%-606 bps
Loan Growth (YoY)-8.77%-3.82%-0.81%3.84%4.62%+1,339 bps
Deposit Growth (YoY)0.78%-0.77%-12.17%-5.93%-5.17%-594 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.03%0.26%0.25%0.16%+12 bps
Allowance / Loans1.26%1.21%1.13%1.06%1.08%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital23.26%21.55%22.48%22.10%21.23%-202 bps
Equity / Assets10.39%9.77%10.79%10.87%11.13%+74 bps
Liquidity & Funding
Loans / Deposits48.50%48.22%53.07%52.73%53.50%+501 bps
Liquid Assets / Assets24.65%23.66%23.88%21.80%20.01%-464 bps
CRE / Total Capitaln/an/an/an/an/an/an/a